01
Annual returns, done properly
Your ITR12 prepared carefully and filed on time, with every legitimate deduction substantiated before SARS asks.
Services · Personal tax
Personal tax for people whose money does more than sit in a salary
Travel allowances, rental income, crypto gains, commission, a side practice. The more your money does, the more SARS wants to know. We prepare, file and defend your personal tax so you claim everything you are entitled to and nothing you are not.
Who it's for
People we do this best for
Returns, provisional tax and SARS disputes for employed, self-employed and high net worth individuals.
- Salaried professionals with travel allowances, commission or home office claims
- High net worth individuals with local and offshore portfolios
- Freelancers and self-employed professionals managing provisional tax
- Property owners and investors, including crypto
What's included
Everything this covers
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Provisional tax without penalties
IRP6 estimates and payments managed across both deadlines, so underestimation penalties never reach you.
03
Capital gains, including crypto
CGT calculations on property, shares and cryptocurrency, with planning to use the R50,000 annual exclusion well.
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Rental and commission income
Correct declaration of rental and commission income with every allowable expense claimed and documented.
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SARS audits and disputes
We respond to verifications, handle audits and run objections and appeals on your behalf. You stay out of the queue.
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Auto-assessment reviews
SARS auto-assessments are often wrong in SARS's favour. We check yours before you accept it.
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Travel allowance and logbook claims
Business travel, mileage and motor-vehicle costs compiled to SARS's logbook rules, and home-office deductions properly substantiated, two areas salaried people routinely under-claim.
Why Arbor
One team across tax, accounting and wealth
The same people who file your returns see how every number fits together, so the advice pulls in one direction.
FAQ
The things people actually ask us
Not before checking it. Auto-assessments are built from third party data and routinely miss deductions like retirement contributions, home office costs and logbook travel claims. We review it against your records first. If SARS owes you more, we file the full return before the deadline.
Broadly, anyone earning income that is not taxed at source, such as freelance income, rental profit or significant interest. Two payments a year, end of August and end of February, with an optional third top-up. Underestimating attracts penalties, which is why we calculate it rather than guess it.
If you work from home regularly and have a dedicated space, possibly. The rules are strict and SARS verifies these claims often. We calculate the claim properly, with the documentation to defend it.
Yes. SARS treats crypto as an asset, and disposals trigger capital gains or income tax depending on how you trade. Exchanges share data with SARS, so non-disclosure is a risk not worth taking. We calculate and report it correctly.
Become a client
Talk to the personal tax team
One conversation, a fixed quote within 2 business days, and a named specialist from day one.